Cheapest and Best Car Insurance Companies in Tacoma, WA

Based on the latest quotes for 2023, the cheapest minimum coverage car insurance in Tacoma is from PEMCO. Chubb takes the lead as the best overall company, balancing quality coverage at a reasonable price.

Compare Rates and Save on Car Insurance

By Mark Fitzpatrick, Content Director

Updated: Sep 20, 2023

Edited by

Scott Strandberg

Tacoma drivers should compare quotes and coverage options from multiple companies to find the most suitable insurance option for their needs and driver profile.

In terms of affordability, the top-rated company in Tacoma is PEMCO for both minimum and full coverage policy types. PEMCO also offers the cheapest rates for military drivers and those with violations.

The best overall insurer in Tacoma is Chubb, and this same company also earned our top scores for the best customer service and the best cheap policies.

Cheapest + BestCar InsuranceTacoma

2023

Cheapest and Best Car Insurance in Tacoma, WA

Cheapest Overall - PEMCO

Cheapest Full Coverage - PEMCO

Cheapest After Driving Offense - PEMCO

Cheapest for Teens - Kemper

Cheapest for Military - PEMCO

Best Overall - Chubb

Best for Customer Service - Chubb

Best Cheap - Chubb

Cheapest Minimum Liability Car Insurance in Tacoma

The two cheapest car insurance providers for a minimum coverage policy in Tacoma, Washington, are:

PEMCO: $318 per year
Capital Insurance Group: $367 per year

The most expensive company is Dairyland at $1,703 per year as of October 2022. By choosing PEMCO over Dairyland, drivers can save around $1,385 per year on car insurance. This makes PEMCO a great option for drivers looking for affordable minimum car insurance.

On a statewide basis, PEMCO’s $309 average annual rate is the cheapest car insurance in Washington, with a rate that’s $9 lower than its typical premium in Tacoma.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
PEMCO	$318	$27
Capital Insurance Group	$333	$28
PEMCO	$343	$29
Capital Insurance Group	$367	$31
PEMCO	$394	$33
Chubb	$455	$38
GEICO	$477	$40
Travelers	$478	$40
Travelers	$483	$40
State Farm	$504	$42
Capital Insurance Group	$536	$45
Chubb	$539	$45
Travelers	$548	$46
State Farm	$552	$46
GEICO	$611	$51
PEMCO	$612	$51
GEICO	$642	$53
PEMCO	$654	$55
Kemper	$680	$57
State Farm	$689	$57
American Family	$701	$58
Capital Insurance Group	$702	$59
Allstate	$710	$59
Farmers	$716	$60
American Family	$723	$60
Progressive	$727	$61
Allstate	$730	$61
Kemper	$744	$62
Kemper	$752	$63
American Family	$754	$63
Nationwide	$756	$63
Chubb	$760	$63
Farmers	$760	$63
PEMCO	$770	$64
Progressive	$788	$66
Capital Insurance Group	$788	$66
Allstate	$792	$66
Nationwide	$812	$68
Progressive	$834	$70
Kemper	$836	$70
Farmers	$852	$71
GEICO	$898	$75
Travelers	$902	$75
National General	$909	$76
Travelers	$937	$78
Chubb	$963	$80
State Farm	$997	$83
American Family	$1,056	$88
GEICO	$1,094	$91
State Farm	$1,094	$91
American Family	$1,102	$92
National General	$1,104	$92
Nationwide	$1,109	$92
Travelers	$1,115	$93
Kemper	$1,116	$93
American Family	$1,122	$93
Nationwide	$1,125	$94
Chubb	$1,157	$96
Allstate	$1,161	$97
Capital Insurance Group	$1,177	$98
Kemper	$1,226	$102
Nationwide	$1,231	$103
Allstate	$1,242	$103
National General	$1,242	$104
GEICO	$1,263	$105
Allstate	$1,269	$106
Farmers	$1,304	$109
Farmers	$1,305	$109
Progressive	$1,320	$110
Progressive	$1,400	$117
State Farm	$1,422	$118
National General	$1,428	$119
Farmers	$1,541	$128
Progressive	$1,571	$131
Chubb	$1,577	$131
Dairyland	$1,652	$138
Nationwide	$1,663	$139
Dairyland	$1,703	$142
National General	$1,757	$146
National General	$1,802	$150
Dairyland	$2,504	$209
Dairyland	$3,251	$271
Dairyland	$3,595	$300
Dairyland	$5,216	$435

According to Washington law, drivers are required to carry a car insurance policy that covers bodily injuries and property damage. The minimum coverage levels for liability insurance in Washington are as follows:

$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$10,000 property damage liability per accident

If you only have $25,000 in bodily injury liability per person and the expenses from an accident exceed that amount, you will be responsible for paying the difference out of pocket. For instance, if the injured driver incurs $50,000 in medical bills, your insurance will only cover the first $25,000, leaving you responsible for the remaining $25,000.

To avoid such risk, it’s generally recommended to purchase higher coverage limits than the minimum required by law.

Cheapest Full Coverage Car Insurance in Tacoma

If you’re looking for the most affordable full coverage auto insurance in Tacoma, these two companies stand out:

PEMCO: $612 per year
Capital Insurance Group: $788 per year

Choosing the right car insurance provider can make a difference in your wallet. Dairyland is the most expensive option, with an average annual premium of $3,595 as of October 2022.

Zooming out for a statewide view, PEMCO remains the cheapest full coverage car insurance provider in Washington, with a $614 average rate that’s nearly identical to its $612 rate in Tacoma.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
PEMCO	$318	$27
Capital Insurance Group	$333	$28
PEMCO	$343	$29
Capital Insurance Group	$367	$31
PEMCO	$394	$33
Chubb	$455	$38
GEICO	$477	$40
Travelers	$478	$40
Travelers	$483	$40
State Farm	$504	$42
Capital Insurance Group	$536	$45
Chubb	$539	$45
Travelers	$548	$46
State Farm	$552	$46
GEICO	$611	$51
PEMCO	$612	$51
GEICO	$642	$53
PEMCO	$654	$55
Kemper	$680	$57
State Farm	$689	$57
American Family	$701	$58
Capital Insurance Group	$702	$59
Allstate	$710	$59
Farmers	$716	$60
American Family	$723	$60
Progressive	$727	$61
Allstate	$730	$61
Kemper	$744	$62
Kemper	$752	$63
American Family	$754	$63
Nationwide	$756	$63
Chubb	$760	$63
Farmers	$760	$63
PEMCO	$770	$64
Progressive	$788	$66
Capital Insurance Group	$788	$66
Allstate	$792	$66
Nationwide	$812	$68
Progressive	$834	$70
Kemper	$836	$70
Farmers	$852	$71
GEICO	$898	$75
Travelers	$902	$75
National General	$909	$76
Travelers	$937	$78
Chubb	$963	$80
State Farm	$997	$83
American Family	$1,056	$88
GEICO	$1,094	$91
State Farm	$1,094	$91
American Family	$1,102	$92
National General	$1,104	$92
Nationwide	$1,109	$92
Travelers	$1,115	$93
Kemper	$1,116	$93
American Family	$1,122	$93
Nationwide	$1,125	$94
Chubb	$1,157	$96
Allstate	$1,161	$97
Capital Insurance Group	$1,177	$98
Kemper	$1,226	$102
Nationwide	$1,231	$103
Allstate	$1,242	$103
National General	$1,242	$104
GEICO	$1,263	$105
Allstate	$1,269	$106
Farmers	$1,304	$109
Farmers	$1,305	$109
Progressive	$1,320	$110
Progressive	$1,400	$117
State Farm	$1,422	$118
National General	$1,428	$119
Farmers	$1,541	$128
Progressive	$1,571	$131
Chubb	$1,577	$131
Dairyland	$1,652	$138
Nationwide	$1,663	$139
Dairyland	$1,703	$142
National General	$1,757	$146
National General	$1,802	$150
Dairyland	$2,504	$209
Dairyland	$3,251	$271
Dairyland	$3,595	$300
Dairyland	$5,216	$435

A full coverage policy includes collision and comprehensive coverage in addition to liability coverage.

Collision Insurance: Covers damages to your car if you collide with another vehicle or object.
Comprehensive Insurance: Covers damages caused by other non-collision events, such as theft, fire or natural disasters.

Drivers should consider their car’s age and value when deciding on insurance coverage. For older and less valuable cars, a full coverage policy may not be worth the extra expense.

Cheapest Car Insurance in Tacoma After a Driving Offense

PEMCO stands out as the cheapest car insurance option for drivers in Tacoma with a history of traffic violations.

Speeding ticket: PEMCO ($764 per year)
At-fault accident: PEMCO ($838 per year)
DUI: PEMCO ($1,021 per year)

Dairyland has the highest average premium for drivers with speeding tickets ($4,193 per year) and accidents ($4,596 per year), while Kemper has the highest premium for DUIs ($4,491 per year).

If you live in Tacoma and have a history of violations, PEMCO may be your cheapest choice. Even then, your rates will still be significantly more expensive than those of a driver with clean record.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
PEMCO	$399	$33
Capital Insurance Group	$430	$36
PEMCO	$446	$37
Capital Insurance Group	$448	$37
PEMCO	$461	$38
PEMCO	$465	$39
Capital Insurance Group	$479	$40
Capital Insurance Group	$495	$41
Chubb	$502	$42
PEMCO	$513	$43
PEMCO	$516	$43
State Farm	$560	$47
State Farm	$560	$47
PEMCO	$561	$47
Chubb	$565	$47
Chubb	$565	$47
Chubb	$597	$50
State Farm	$612	$51
State Farm	$612	$51
State Farm	$616	$51
Capital Insurance Group	$621	$52
PEMCO	$628	$52
Travelers	$656	$55
PEMCO	$660	$55
State Farm	$674	$56
Chubb	$676	$56
Chubb	$676	$56
GEICO	$676	$56
Capital Insurance Group	$681	$57
Travelers	$693	$58
Travelers	$695	$58
Travelers	$707	$59
Capital Insurance Group	$713	$59
Capital Insurance Group	$732	$61
Travelers	$734	$61
Travelers	$749	$62
PEMCO	$764	$64
State Farm	$766	$64
State Farm	$766	$64
GEICO	$775	$65
Allstate	$785	$65
Travelers	$788	$66
GEICO	$788	$66
Allstate	$807	$67
Farmers	$816	$68
American Family	$831	$69
American Family	$831	$69
Travelers	$835	$70
PEMCO	$838	$70
American Family	$841	$70
State Farm	$842	$70
Chubb	$846	$70
Travelers	$851	$71
Progressive	$855	$71
American Family	$859	$72
American Family	$859	$72
American Family	$871	$73
PEMCO	$871	$73
GEICO	$880	$73
Allstate	$882	$73
Kemper	$892	$74
PEMCO	$894	$75
American Family	$899	$75
American Family	$899	$75
Farmers	$905	$75
American Family	$910	$76
GEICO	$922	$77
Farmers	$924	$77
Kemper	$929	$77
Progressive	$930	$77
Capital Insurance Group	$941	$78
GEICO	$947	$79
PEMCO	$949	$79
Farmers	$953	$79
Allstate	$954	$79
Kemper	$956	$80
Chubb	$964	$80
Chubb	$964	$80
Capital Insurance Group	$972	$81
PEMCO	$974	$81
Progressive	$974	$81
Kemper	$976	$81
Kemper	$979	$82
Allstate	$980	$82
Allstate	$988	$82
Progressive	$1,006	$84
Allstate	$1,015	$85
Capital Insurance Group	$1,016	$85
Kemper	$1,016	$85
PEMCO	$1,021	$85
Farmers	$1,029	$86
Farmers	$1,029	$86
Progressive	$1,044	$87
Capital Insurance Group	$1,060	$88
Farmers	$1,063	$89
Kemper	$1,064	$89
Chubb	$1,069	$89
GEICO	$1,071	$89
Progressive	$1,072	$89
Allstate	$1,084	$90
Capital Insurance Group	$1,086	$91
National General	$1,089	$91
Kemper	$1,091	$91
State Farm	$1,103	$92
State Farm	$1,103	$92
GEICO	$1,123	$94
Allstate	$1,125	$94
Farmers	$1,149	$96
PEMCO	$1,150	$96
Nationwide	$1,155	$96
Farmers	$1,170	$98
GEICO	$1,178	$98
PEMCO	$1,185	$99
State Farm	$1,209	$101
State Farm	$1,209	$101
State Farm	$1,209	$101
National General	$1,209	$101
Chubb	$1,213	$101
Chubb	$1,213	$101
Nationwide	$1,219	$102
American Family	$1,266	$105
American Family	$1,266	$105
Chubb	$1,288	$107
GEICO	$1,295	$108
Allstate	$1,300	$108
National General	$1,302	$109
American Family	$1,308	$109
Capital Insurance Group	$1,312	$109
Travelers	$1,321	$110
State Farm	$1,325	$110
American Family	$1,326	$110
American Family	$1,326	$110
Nationwide	$1,339	$112
American Family	$1,348	$112
American Family	$1,348	$112
Travelers	$1,361	$113
American Family	$1,368	$114
Travelers	$1,384	$115
Allstate	$1,390	$116
American Family	$1,395	$116
Nationwide	$1,414	$118
National General	$1,423	$119
Allstate	$1,428	$119
Travelers	$1,431	$119
Progressive	$1,439	$120
Travelers	$1,445	$120
GEICO	$1,459	$122
Capital Insurance Group	$1,462	$122
Chubb	$1,466	$122
Chubb	$1,466	$122
Kemper	$1,475	$123
National General	$1,510	$126
Travelers	$1,514	$126
Kemper	$1,534	$128
Farmers	$1,534	$128
Travelers	$1,557	$130
Kemper	$1,571	$131
State Farm	$1,573	$131
State Farm	$1,573	$131
GEICO	$1,584	$132
Progressive	$1,586	$132
Farmers	$1,592	$133
Progressive	$1,598	$133
Travelers	$1,608	$134
Nationwide	$1,610	$134
Allstate	$1,612	$134
Kemper	$1,613	$134
Capital Insurance Group	$1,622	$135
National General	$1,644	$137
Dairyland	$1,652	$138
Capital Insurance Group	$1,665	$139
Farmers	$1,669	$139
Progressive	$1,672	$139
Allstate	$1,673	$139
National General	$1,678	$140
National General	$1,679	$140
GEICO	$1,696	$141
Travelers	$1,701	$142
Dairyland	$1,703	$142
State Farm	$1,724	$144
Allstate	$1,724	$144
Nationwide	$1,730	$144
Progressive	$1,732	$144
National General	$1,737	$145
Farmers	$1,752	$146
Chubb	$1,763	$147
Nationwide	$1,769	$147
GEICO	$1,774	$148
Farmers	$1,776	$148
Allstate	$1,787	$149
Allstate	$1,789	$149
Progressive	$1,841	$153
Nationwide	$1,843	$154
Farmers	$1,847	$154
Allstate	$1,857	$155
GEICO	$1,873	$156
Nationwide	$1,873	$156
Progressive	$1,875	$156
Nationwide	$1,890	$158
Farmers	$1,914	$160
Dairyland	$1,942	$162
National General	$1,951	$163
Progressive	$1,953	$163
Farmers	$1,965	$164
Nationwide	$1,976	$165
Dairyland	$1,991	$166
Progressive	$2,000	$167
Chubb	$2,016	$168
Chubb	$2,016	$168
National General	$2,026	$169
GEICO	$2,087	$174
Farmers	$2,096	$175
Kemper	$2,110	$176
Dairyland	$2,132	$178
Nationwide	$2,151	$179
GEICO	$2,153	$179
GEICO	$2,214	$185
National General	$2,225	$185
Dairyland	$2,252	$188
National General	$2,257	$188
Capital Insurance Group	$2,259	$188
Kemper	$2,314	$193
National General	$2,315	$193
Nationwide	$2,320	$193
National General	$2,321	$193
Nationwide	$2,374	$198
Dairyland	$2,504	$209
National General	$2,525	$210
Nationwide	$2,611	$218
National General	$2,634	$220
Progressive	$2,686	$224
Nationwide	$2,761	$230
Nationwide	$2,786	$232
Dairyland	$2,831	$236
Progressive	$3,027	$252
Progressive	$3,070	$256
National General	$3,126	$261
Dairyland	$3,187	$266
Dairyland	$3,251	$271
Nationwide	$3,400	$283
Kemper	$3,519	$293
Dairyland	$3,595	$300
Dairyland	$3,800	$317
Kemper	$4,012	$334
Dairyland	$4,130	$344
Dairyland	$4,193	$349
Kemper	$4,491	$374
Dairyland	$4,596	$383
Dairyland	$5,216	$435
Dairyland	$5,947	$496
Dairyland	$6,492	$541
Kemper	$6,742	$562

Finding cheap car insurance after a bad driving record can be a challenge. The type of violation can also make a big difference, as more severe offenses carry increased insurance costs.

For instance, in Tacoma, the cheapest policy for drivers with DUIs costs around $257 more per year than the most affordable policy for drivers with speeding tickets.

Cheapest Car Insurance in Tacoma for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in Tacoma are:

Kemper: $1,865 per year for teen girls and $1,938 per year for teen boys
Nationwide: $2,309 per year for teen girls
Capital Insurance Group: $2,319 per year for teen boys

Progressive offers the most expensive insurance for teen drivers at $4,757 per year for girls and $5,244 per year for boys.

Rates tend to be higher for teen boys than teen girls as they are seen as riskier to insure. However, the difference drops off in early adulthood.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
Kemper	$981	$2,484
Travelers	$1,124	$1,620
Kemper	$1,133	$3,258
Travelers	$1,216	$1,686
Travelers	$1,256	$1,812
Travelers	$1,268	$2,012
Travelers	$1,299	$1,873
GEICO	$1,346	$1,970
Nationwide	$1,350	$3,663
Nationwide	$1,353	$3,974
GEICO	$1,357	$1,812
Capital Insurance Group	$1,379	$1,766
Travelers	$1,391	$1,929
GEICO	$1,409	$2,581
Capital Insurance Group	$1,409	$1,837
GEICO	$1,420	$2,725
GEICO	$1,432	$1,913
Travelers	$1,445	$2,312
Travelers	$1,451	$2,203
Allstate	$1,467	$2,199
Allstate	$1,469	$2,170
Capital Insurance Group	$1,478	$1,893
GEICO	$1,480	$2,166
Capital Insurance Group	$1,495	$1,949
Travelers	$1,503	$2,083
Capital Insurance Group	$1,536	$2,149
GEICO	$1,543	$2,534
Allstate	$1,544	$2,917
Capital Insurance Group	$1,545	$2,161
GEICO	$1,547	$2,360
Allstate	$1,588	$2,346
Capital Insurance Group	$1,592	$2,076
State Farm	$1,613	$1,636
GEICO	$1,615	$2,363
GEICO	$1,634	$2,182
Allstate	$1,635	$6,553
Capital Insurance Group	$1,636	$2,096
Allstate	$1,647	$3,398
Nationwide	$1,658	$2,766
Capital Insurance Group	$1,672	$2,176
Allstate	$1,674	$2,807
Capital Insurance Group	$1,701	$2,223
Travelers	$1,705	$2,941
Travelers	$1,707	$2,581
Allstate	$1,708	$2,562
Nationwide	$1,711	$2,980
Travelers	$1,725	$2,619
Allstate	$1,739	$2,569
Farmers	$1,759	$2,240
Allstate	$1,782	$3,088
State Farm	$1,811	$1,837
Nationwide	$1,824	$3,042
Allstate	$1,828	$3,453
State Farm	$1,844	$1,830
Farmers	$1,859	$2,453
Nationwide	$1,863	$3,411
Kemper	$1,865	$5,468
Kemper	$1,865	$5,468
Kemper	$1,865	$5,468
Kemper	$1,865	$5,468
Kemper	$1,865	$5,468
Kemper	$1,865	$5,468
Kemper	$1,865	$5,468
Allstate	$1,870	$4,225
GEICO	$1,883	$3,613
Capital Insurance Group	$1,886	$2,638
Allstate	$1,894	$2,840
Nationwide	$1,900	$3,309
Capital Insurance Group	$1,905	$2,664
State Farm	$1,906	$2,250
GEICO	$1,915	$4,686
Nationwide	$1,923	$3,207
Allstate	$1,929	$8,263
GEICO	$1,930	$4,261
Nationwide	$1,934	$3,703
Kemper	$1,938	$6,346
Kemper	$1,938	$6,346
Kemper	$1,938	$6,346
Kemper	$1,938	$6,346
Kemper	$1,938	$6,346
Kemper	$1,938	$6,346
Kemper	$1,938	$6,346
Capital Insurance Group	$1,959	$2,550
Travelers	$1,970	$3,476
Capital Insurance Group	$1,975	$2,582
State Farm	$1,981	$2,010
Nationwide	$1,998	$3,480
Capital Insurance Group	$2,006	$3,115
Capital Insurance Group	$2,015	$3,100
Allstate	$2,041	$4,921
Travelers	$2,048	$3,580
GEICO	$2,054	$3,763
State Farm	$2,058	$2,433
Travelers	$2,069	$3,129
Nationwide	$2,071	$7,162
Capital Insurance Group	$2,080	$3,230
Allstate	$2,091	$4,312
State Farm	$2,097	$2,081
Capital Insurance Group	$2,107	$3,241
Nationwide	$2,135	$8,289
Nationwide	$2,141	$8,264
Kemper	$2,160	$5,468
Kemper	$2,160	$5,468
Kemper	$2,206	$6,346
Kemper	$2,206	$6,346
Nationwide	$2,222	$6,029
State Farm	$2,232	$2,635
Nationwide	$2,255	$6,621
Progressive	$2,288	$2,305
Nationwide	$2,298	$9,614
Nationwide	$2,309	$9,565
Allstate	$2,310	$9,261
State Farm	$2,311	$2,731
Capital Insurance Group	$2,319	$4,460
Nationwide	$2,327	$9,036
State Farm	$2,331	$3,102
State Farm	$2,332	$2,314
Allstate	$2,355	$12,507
Capital Insurance Group	$2,359	$4,546
State Farm	$2,373	$2,939
Travelers	$2,387	$4,212
Progressive	$2,434	$2,435
Travelers	$2,454	$4,300
Nationwide	$2,464	$10,982
Nationwide	$2,470	$10,330
Travelers	$2,474	$5,409
Allstate	$2,475	$12,829
Allstate	$2,503	$10,722
GEICO	$2,524	$6,682
Farmers	$2,545	$1,954
Farmers	$2,573	$1,976
Farmers	$2,601	$1,997
Farmers	$2,625	$2,135
Farmers	$2,680	$2,118
GEICO	$2,685	$5,795
Farmers	$2,687	$2,124
Progressive	$2,690	$3,886
Progressive	$2,722	$2,742
State Farm	$2,727	$3,813
State Farm	$2,730	$3,382
Farmers	$2,742	$2,167
State Farm	$2,766	$3,546
Farmers	$2,769	$2,345
Progressive	$2,818	$2,818
Progressive	$2,849	$4,095
Farmers	$2,853	$4,595
Progressive	$2,899	$3,557
Farmers	$2,948	$5,145
Progressive	$2,965	$3,573
Farmers	$2,968	$4,922
GEICO	$2,986	$7,907
Travelers	$3,029	$5,307
State Farm	$3,030	$3,885
Progressive	$3,034	$3,035
State Farm	$3,038	$4,257
Progressive	$3,053	$3,076
Farmers	$3,110	$5,560
Travelers	$3,156	$6,983
GEICO	$3,161	$6,823
Farmers	$3,192	$4,064
GEICO	$3,201	$10,833
State Farm	$3,273	$4,297
Progressive	$3,280	$5,511
Farmers	$3,317	$4,377
Progressive	$3,336	$4,820
GEICO	$3,519	$10,167
Farmers	$3,538	$7,145
Farmers	$3,572	$6,234
Progressive	$3,599	$6,082
State Farm	$3,710	$4,871
Progressive	$3,719	$5,346
State Farm	$3,731	$5,529
Farmers	$3,755	$7,797
Farmers	$3,792	$6,779
Progressive	$4,344	$9,284
Progressive	$4,757	$9,579
Progressive	$4,782	$10,290
Progressive	$5,244	$10,627
Progressive	$5,446	$11,638
Progressive	$6,011	$12,935

Adding a teen driver to an existing policy is usually much cheaper than buying a separate insurance plan.

Insuring a teenager on a family plan costs around $2,723 per year, whereas buying an individual policy costs roughly $5,104 per year. This is a significant difference of $2,381 per year.

Shopping around for the cheapest car insurance for teens is the first step. To further offset the cost, teens can also take defensive driving courses, maintain good grades and drive safe vehicles with advanced safety features.

Cheapest Car Insurance in Tacoma for Military Drivers

According to recent data, these two companies offer the cheapest car insurance rates for military members in Tacoma:

PEMCO: $612 per year
USAA: $661 per year

In comparison, Dairyland’s rate is much higher at an average of $3,595 per year.

For those seeking minimum coverage, USAA and PEMCO also offer the cheapest car insurance options for military drivers, with average rates of $296 and $318 per year, respectively.

It’s always important to compare quotes and coverage options from multiple insurers to find the cheapest auto insurance for military drivers.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
USAA	$296	$25
PEMCO	$318	$27
USAA	$329	$27
Capital Insurance Group	$333	$28
PEMCO	$343	$29
USAA	$360	$30
Capital Insurance Group	$367	$31
PEMCO	$394	$33
Chubb	$455	$38
GEICO	$477	$40
Travelers	$478	$40
Travelers	$483	$40
State Farm	$504	$42
Capital Insurance Group	$536	$45
Chubb	$539	$45
Travelers	$548	$46
State Farm	$552	$46
GEICO	$611	$51
PEMCO	$612	$51
GEICO	$642	$53
PEMCO	$654	$55
USAA	$661	$55
Kemper	$680	$57
USAA	$682	$57
State Farm	$689	$57
American Family	$701	$58
Capital Insurance Group	$702	$59
Allstate	$710	$59
Farmers	$716	$60
American Family	$723	$60
Progressive	$727	$61
Allstate	$730	$61
Kemper	$744	$62
Kemper	$752	$63
American Family	$754	$63
Nationwide	$756	$63
Chubb	$760	$63
Farmers	$760	$63
PEMCO	$770	$64
Progressive	$788	$66
Capital Insurance Group	$788	$66
Allstate	$792	$66
Nationwide	$812	$68
USAA	$823	$69
Progressive	$834	$70
Kemper	$836	$70
Farmers	$852	$71
GEICO	$898	$75
Travelers	$902	$75
National General	$909	$76
Travelers	$937	$78
Chubb	$963	$80
State Farm	$997	$83
American Family	$1,056	$88
GEICO	$1,094	$91
State Farm	$1,094	$91
American Family	$1,102	$92
National General	$1,104	$92
Nationwide	$1,109	$92
Travelers	$1,115	$93
Kemper	$1,116	$93
American Family	$1,122	$93
Nationwide	$1,125	$94
Chubb	$1,157	$96
Allstate	$1,161	$97
Capital Insurance Group	$1,177	$98
Kemper	$1,226	$102
Nationwide	$1,231	$103
Allstate	$1,242	$103
National General	$1,242	$104
GEICO	$1,263	$105
Allstate	$1,269	$106
Farmers	$1,304	$109
Farmers	$1,305	$109
Progressive	$1,320	$110
Progressive	$1,400	$117
State Farm	$1,422	$118
National General	$1,428	$119
Farmers	$1,541	$128
Progressive	$1,571	$131
Chubb	$1,577	$131
Dairyland	$1,652	$138
Nationwide	$1,663	$139
Dairyland	$1,703	$142
National General	$1,757	$146
National General	$1,802	$150
Dairyland	$2,504	$209
Dairyland	$3,251	$271
Dairyland	$3,595	$300
Dairyland	$5,216	$435

How to Compare Cheap Tacoma Car Insurance Quotes Online

When obtaining a car insurance quote in Tacoma, it's important to note that the process can be time-consuming and require a lot of personal information. However, MoneyGeek's car insurance calculator can help simplify the process by providing an estimate based on basic information, such as age, vehicle type, coverage level and driving record. This tool can save you time and provide a ballpark estimate of your car insurance premiums.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

Washington

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.USAA

$339

2.GEICO

$450

3.PEMCO

$500

4.State Farm

$522

5.Progressive

$542

Best Car Insurance in Tacoma: Summary

MoneyGeek’s comparison of auto insurance companies in Tacoma found that Chubb outranks all insurers in the following categories:

Best overall: Chubb (MoneyGeek score of 83 out of 100)
Best for service: Chubb (MoneyGeek score of 76 out of 100)
Best cheap: Chubb (MoneyGeek score of 83 out of 100)

USAA scored 85 out of 100, making it one of the best choices for military drivers in Tacoma. Coverages and discounts from USAA are tailored to military drivers.

On a statewide basis, the best car insurance in Washington is from GEICO. This signifies that several factors, including location, determine which company is the best.

Best Overall Car Insurance in Tacoma

Overall, the best companies for car insurance for the average Tacoma driver are:

Chubb: MoneyGeek score of 83 out of 100 ($1,157 per year)
Capital Insurance Group: MoneyGeek score of 80 out of 100 ($788 per year)

Chubb earned our top spot due to its outstanding claims management and high customer satisfaction.

USAA is the best auto insurance company for military drivers, receiving a MoneyGeek score of 85 out of 100. It offers coverages and discounts specifically tailored to the needs of military families.

How was this MoneyGeek score calculated?

pros

Seamless claims experience

Ranks #2 for customer satisfaction

Offers original equipment manufacturer (OEM) coverage and antique/classic car insurance

cons

Ranks 8th out of 14 insurers for affordability

No roadside assistance coverage

COMPANY HIGHLIGHTS

Chubb is a reputable insurance provider that scored 83 out of 100 for its quality coverage options and outstanding claims management. The average driver in Tacoma pays approximately $1,157 per year or $96 per month.

When repairing your vehicle, original parts may be more expensive. Chubb’s OEM coverage replaces damaged parts of your vehicle with manufacturer parts rather than aftermarket or generic parts. Not all insurance companies offer this type of coverage.

Chubb also offers classic car insurance, ideal for vehicle owners looking for insurers that offer protection specifically for antique or collector cars. This coverage usually covers vehicles that are at least 30 years old, part of a larger collection or limited production models. You will also need to garage the vehicle and only use it for hobby purposes.

Best Car Insurance in Tacoma for Customer Service

These are the top auto insurance companies in Tacoma if you prioritize getting the best possible customer service.

Chubb: MoneyGeek score of 76 out of 100 ($1,157 per year)
Capital Insurance Group: MoneyGeek score of 68 out of 100 ($788 per year)

Chubb earned our top spot with the best claims management reputation in Tacoma, along with the second-highest score for customer satisfaction, behind only Capital Insurance Group, our runner-up.

How was this MoneyGeek score calculated?

pros

Ranks #1 for claims management

Ranks #2 for customer satisfaction

Offers diminished value coverage

cons

Does not offer gap insurance, accident forgiveness, deductible modification or new car replacement coverages

COMPANY HIGHLIGHTS

Chubb earned the highest MoneyGeek score in Tacoma for claims management, and it also ranked second for customer satisfaction. This combination of factors led MoneyGeek to name Chubb as the best insurer for customer service in this city.

With Chubb’s diminished value coverage, you and the insurer agree upon the value of your car when you sign up for your policy. If your car is totaled or stolen, Chubb will write you a check for the agreed-upon value of the vehicle, not its actual depreciated value. This can easily save you thousands of dollars in case of a covered loss.

Moreover, Chubb offers rental car reimbursement coverage, which covers the cost of renting a car just like your own if yours is in the repair shop.

Best Cheap Car Insurance in Tacoma

For policies that meet the state’s minimum requirements while still providing high-quality service, these are our top picks in Tacoma:

Chubb: MoneyGeek score of 83 out of 100 ($539 per year)
Capital Insurance Group: MoneyGeek score of 81 out of 100 ($367 per year)

A minimum coverage policy in Tacoma has the lowest rates but also offers low levels of protection against liability costs. In addition, this policy includes no coverage for damage to your own car.

How was this MoneyGeek score calculated?

pros

An affordable minimum coverage policy costs $539 per year

Offers discounts for bundling, anti-theft systems and honing devices

Outstanding claims management and customer satisfaction reputation

cons

No discounts for safe driving or insuring multiple cars

COMPANY HIGHLIGHTS

Chubb is an excellent choice for drivers who value quality service and affordable pricing. The company ranked first for claims management and second for customer satisfaction while also offering an affordable minimum coverage policy.

Chubb doesn’t offer a ton of discounts, but it does provide some uncommon discounts that can save you a significant chunk of money on your premiums. For instance, you can get discounts for having your VIN etched into your window glass or for installing an electronic tracking device in your vehicle.

In addition, you can even get discounts for insuring a vehicle that has factory-installed daytime running lamps or anti-lock brakes. Finally, Chubb also offers several common discounts, such as those for bundling home and auto insurance, installing an anti-theft system or completing a defensive driving course.

Average Cost of Car Insurance in Tacoma

Tacoma drivers pay an average of $1,244 per year for full coverage auto insurance. These rates are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability.

The average cost of car insurance in Washington is $75 cheaper than in Tacoma. The national average cost of car insurance is $1,265 per year as of October 2022, a difference of just $21 compared to the typical rate in Tacoma.

Keep in mind that location is one of many factors affecting the cost of car insurance.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

Cheapest and Best Car Insurance Companies in Tacoma, WA

On This Page:

Cheapest Minimum Liability Car Insurance in Tacoma

Cheapest Full Coverage Car Insurance in Tacoma

Cheapest Car Insurance in Tacoma After a Driving Offense

Cheapest Car Insurance in Tacoma for Teens and Their Families

Cheapest Car Insurance in Tacoma for Military Drivers

How to Compare Cheap Tacoma Car Insurance Quotes Online

Best Car Insurance in Tacoma: Summary

Best Overall Car Insurance in Tacoma

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Tacoma for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Tacoma

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Tacoma